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Agriculture loan
Agriculture loans are tailored to acquire capital for various purposes such as expansion, inventory purchase, equipment acquisition, hiring staff, or to manage day-to-day operational expenses. The terms and conditions of these loans vary depending borrower's creditworthiness, collateral, repayment tenure and other factors.
LT0003109
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 43.49 ha | 10.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 33,740.00 € | 39,714.00 € |
| Net profit | 6,405.00 € | 10,524.00 € |
| Equity ratio | 48.65% | - |
Documents
Payment schedule
The farm, located in the Panevėžys district, has been operating successfully for several years and specialises in crop production, focusing primarily on grain cultivation. Over time, it has evolved into a modern family-run business oriented toward sustainable production, efficiency improvement, and the adoption of advanced agricultural technologies. All operations are carried out by the family – no hired employees – and the work is performed using owned machinery, including tractors, a combine harvester, and various tillage equipment. According to the 2025 crop declaration, the farm manages 43.49 hectares of agricultural land, the majority of which is used for wheat, barley, peas, and rapeseed cultivation. The farm applies a crop rotation system and uses certified seed varieties, ensuring high productivity and consistent yields. This structure enables effective risk management and maintains stable production performance. The farm implements no-till (conservation tillage) practices, helping to reduce fuel consumption, preserve soil structure, enhance carbon sequestration, and strengthen environmental sustainability. These practices align with the principles of green and climate-smart agriculture, contributing to soil health and emission reduction goals.
Based on the 2024 financial statements, the farm maintains stable profitability and demonstrates solid financial resilience. Annual sales amounted to €21,811, with €11,929 received in agricultural subsidies, and a net profit of €6,405 was recorded. The farm’s total assets amount to €72,074, of which €35,055 represents fixed assets (land, machinery, and vehicles) and €37,019 represents current assets. Equity totals €42,847, while liabilities amount to €29,227, including €10,667 in long-term loans to financial institutions. These indicators confirm that the farm maintains a strong capital base, good liquidity, and the capacity to service additional financial obligations.
The farm is applying through the Insoil platform for a €16,000 Loan, intended to increase working capital and finance the 2025 farming season’s operations. The funds will be used to cover seed, fertiliser, fuel, and other production-related expenses, ensuring efficient preparation for the season and stable operational continuity.
The farm demonstrates a sustainable operating model, modern technological approach, strong asset base, and positive financial performance.
Combining long-term agricultural experience, no-till farming methods, participation in sustainable initiatives, and a solid financial foundation, this project is considered a low-risk, stable, and reliable investment opportunity with clear potential for growth in production volume and value creation.
Project risks
For this project, there is a risk of losing all the profits made and the funds invested.
In this case, if the Project Owner fails to fulfill its obligations, the Platform Operator will take all necessary measures to protect the interests of investors and use the provided collateral, but the Platform Operator does not guarantee the full fulfillment of the Project Owner's obligations.
Financial agreements are not subject to the insurance protection established by the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania.
Additional information:
If the project owner does not collect the amounts to be financed, the collected funds will be returned to the funders by transferring them to the account from which they were transferred. The Platform Operator also has the right to offer the Project Owner to reduce the amount to be financed during the Project financing term or to extend the Project financing term. In this case, if the amount to be financed is reduced or the term of financing the Project is extended, it shall in all cases be announced on the Platform and the Fund's financiers shall be informed.